Take a look at the web site of James Pitt-Payne
   [ http://www.pitt-payne.com/ ]
where you will find several thousand MIDI files which have the lyrics
included and which will show the lyrics as the melody plays if you use
SynthFont or VanBasco, etc.  Some are indeed labeled KAR but most are
MID and still have the words in them, aligned with the melody.

The site is in England, and most of the material predates 1923 but
not all of it.  Since the site is searchable, you can also look for
specific pieces you want to use.  All of the music is piano format with
some pieces including other instruments added via mouse and software.

Bob Heuman